Forklift Dealers - Material Handling Equipment Dealers
Proudly serving you face to face in California: From Eureka to San Francisco, San Jose, Oakland, Sacramento, Stockton, Fresno, Orange County and San Diego – well basically…the whole state
Your Dealership Business is important to us. We want to make sure if anything happens - you have the protection you need and that the incident is covered exactly the way you thought it would be. Your needs are certainly different than those of a bakery, drycleaner, or deli - let us show you how our experience and expertise can be an asset to your operations. From the risks of: fire and theft to defective parts and faulty work; from Service Trucks to Employee Tools; Leased Equipment to Customer Goods on your premises; from protecting your inventory against Flood and Earthquake to Discrimination and Harassment claims. We know how to put the right coverages in place to make sure you are properly protected
Your business is going to need many of the coverages in Commercial Insurance Basics - and you will likely need the following for your Equipment Dealer business insurance:
General / Garage Liability - Covers damages arising from the operation of an auto or an auto related business
Broadened Garage Liability - Adds coverage for defective products and faulty work
Vehicle Damage Liability - This may surprise you: if you lease your premises from another party and you drive a customer auto into the side of the building - without a special endorsement, most basic policies exclude the damage. We ALWAYS add this endorsement to protect you.
Inventory - covers everything you have for sale - this can be blanketed over all your locations - Includes coverage for Earthquake and Flood - Also extends coverage for customer equipment in your care custody and control.
Employee Tools - Your standard policy does not cover employee tools - this adds protection to employee tools for loss or damage (fire, theft etc) - be careful - some policies are replacement cost - some are actual cash value (depreciation!)
Workers Compensation - You'll certainly need this: to protect you and your employees from the costs of on the job injuries and illness.
Employment Practices / Discrimination - One of the many risks you face, allegations of violating employment laws, discriminating against customers, employees or vendors,
Every business entity is different - we work with you to make sure you have the specific coverages and limits you need for your particular business - so you can make the best possible decision for you
Contact us today for your Free Equipment Dealer Insurance Quote
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